×
Get in Touch
We’d love to hear from you. Fill out the form below.
We’d love to hear from you. Fill out the form below.
Get expert debt management services, credit card settlement assistance, EMI restructuring, and complete legal support for loan defaulters — all under one roof.
Contact Us Now
10+ Years of Expertise in Debt & Loan Settlement
RBI-Compliant Negotiation Processes
1,000+ Successful Debt Closures
Confidential & Hassle-Free Support
Debt can often feel like a weight holding you back from the freedom and growth you deserve. With 20 years of expertise, we are dedicated to providing comprehensive debt solutions that help you settle, restructure, and manage your finances with confidence.
ClearPaths Finance is a Mumbai-based debt settlement company in India, which has been providing debt solutions for the last 2 decades. We specialise in restructuring EMI, reducing interest burden, and negotiating manageable repayment plans, as well as legal support for loan defaulters.
At ClearPaths Finance, we understand the pressure faced by individuals and businesses struggling with unmanageable loans, credit issues and legal complexity. Being the best loan settlement company in India, we use expert-driven strategies that are not only designed to reduce your debt but also help you to restore your confidence, protect your assets and build a long-lasting financial health.
Choose our debt management services and get control of your finances, and move towards stability.
Trapped by multiple EMIs, credit card bills or loan dues? You are not alone. Many individuals in India, like salaried professionals, self-employed people, and families, are suffering from such financial times.
At ClearPaths Finance, we understand that such pressure can lead to constant stress, frequent calls from recovery agents, mental fatigue, and fear of losing assets. In this situation, a trusted settlement partner like ClearPaths Finance can help you. Our expert team will work with you to create a clear path to manage your debt, restructure your plan and provide a realistic solution to get over debt stress. How can we help you as debt relief companies?
ClearPaths Finance, we are proud to be one of the leading debt settlement and financial recovery companies in India. We help individuals and businesses to negotiate with creditors, restructure loans, and regain control of their finances. We have a proven record of helping clients across India, whether individuals, families or businesses.
We have a team of expert negotiators and financial advisors who work on your behalf to settle your debt or arrange manageable repayment plans for you. We highly focus on making our clients debt-free and relieving financial stress.
Being one of the best debt settlement companies in Mumbai, we believe in providing transparent consultation, ethical practice, and a client-centric approach only. Our team works hard to restore financial health, peace of mind for you and give you a debt-free life.
We offer a complete and strategic approach to overcoming debt. Our comprehensive service addresses every aspect of financial distress. Let’s explore our available loan settlement services and the debt restructuring services you can opt for.
Our debt settlement and negotiation services help individuals and businesses reduce their outstanding debts by negotiating with creditors. We work to lower the total amount owed, making repayment more manageable.
Features & Benefits:
A good credit score is essential for securing loans and financial stability. Our credit clearance services help remove inaccuracies, improve scores, and restore your financial reputation.
Features & Benefits:
Facing legal action due to unpaid loans? Our legal experts provide comprehensive support for loan defaulters, ensuring fair treatment and negotiating the best solutions with banks and lenders.
Features & Benefits:
Running a business with outstanding debts? Our business debt solutions help restructure, manage, and settle business liabilities, ensuring smooth operations without financial stress.
Features & Benefits:
If you're facing foreclosure, we provide expert guidance to prevent property loss. Our team works with lenders to restructure loans, negotiate settlements, or find alternative solutions to keep you in your home.
Features & Benefits:
Struggling with high EMIs? Our loan restructuring services help modify repayment terms, reduce interest rates, and extend loan tenure for better financial management.
Features & Benefits:
At ClearPaths Finance, we provide a simple, transparent, and RBI-compliant debt relief process. Our 4-step Debt Settlement process gives you peace of mind.
Under the first consultation, we start by understanding your complete financial picture and create a customised debt relief roadmap for you.
Our experts and financial specialists will directly negotiate with your bank and creditors on your behalf to secure the best possible settlement for you.
Once the terms are agreed upon by the bank and the creditor, we finalise the settlement with legal, RBI-compliant documents to safeguard you.
Our services do not end at settlement; we also help you rebuild your financial and credit score for the long term.
Our structured debt solutions simplify your financial recovery, allowing you to focus on what matters most without unnecessary anxiety.
We shield you from aggressive recovery agents and unlawful collection practices, ensuring you deal with creditors legally and professionally.
Unlike traditional loans, our approach helps you manage and settle your debts without taking on additional financial burdens.
At ClearPaths Finance, we do not discriminate. We help salaried individuals, high-growth professionals, small business owners or even established enterprises who are suffering from debt-stress and challenges. We see the person behind the debt, not just the balance.
Being one of the best debt relief companies in India, we provide a tailored solution by addressing every unique challenge and creating a clear, actionable path.
We help to resolve debt challenges and restore financial well-being for the following-
People overwhelmed by personal loans, credit cards, or medical bills.
People struggling with income fluctuations, multiple EMIs, or planning major life goals amid debt.
Businesses facing cash flow gaps, vendor dues, or loan repayment challenges.
Navigating corporate debt restructuring, working capital stress, or creditor negotiations.
Debt Settlement is an agreement between a debt holder and a creditor in which the debt holders negotiate to pay a lump sum amount that is less than the total amount owed. Debt settlement is a process where debt settlement companies in India negotiate with the creditor on your behalf.
The debt reduction varies. It depends on the debt amount and the company you choose. Many clients reduce by 40% to 60% on their principal debt amount. Being one of the best debt reduction companies in India, we aim for maximum possible relief for you.
Yes, debt settlement affects your credit score. However, our debt management service rebuilt credit afterwards. With our help, you can increase your credit score for a long time.
Yes, debt settlement is legal in India. Under RBI guidelines, banks and NBFCs may negotiate a “compromise settlement” or write-off of bad loans, subject to board-approved policies, as long as documentation is proper.
The debt settlement process is a long process. The process takes 12 to 36 months. It depends on your total debt and interest rates. For our loan settlement service, contact us. We will help you to get a clear timeline.
Unsecured debts can be settled. Unsecured debt like personal loans, credit cards, medical bills, etc. Secure debt, like a home loan, cannot be settled. Instead, it usually requires a restructuring process.
The fee for debt settlement service varies from company to company. The fee is typically based on the percentage of debt enrolled and the amount. Choosing a debt relief company in India that provides transparent pricing without any hidden charges.
Debt settlement involves negotiating with creditors to pay less than the full amount you owe. It reduces what you owe. Whereas debt consolidation combines multiple debts into a single new loan with a lower interest rate. It simplifies payments without reducing the total owed.
Yes, being one of the best debt companies in India, we can stop legal action from creditors. Once you contact us, we communicate with creditors on your behalf and help you negotiate with them. We also help you if a lawsuit has already been filed.
Yes, you should stop paying your loan during the settlement process. It helps to build the settlement fund. However, the decision is strategically made by the loan settlement agency. It is good to discuss with your selected company to avoid unnecessary risk in the settlement process.
The charge for settlement company loans varies. Settlement loan companies charge significantly through high monthly interest, compound interest, and various fees. If you want to know about the fee, contact us and share your debt details, and we will let you know the charge.
ClearPaths Finance is a trusted debt settlement company in India, situated in Mumbai, offering expert negotiation, credit score management, legal protection, and EMI restructuring to help you achieve financial freedom.
Copyright © 2026 ClearPaths Finance, All rights reserved.